Also available to full-time eligible employees is a MVP (Minimum Value Plan). Satisfies ACA Indivdiual Mandate Penalty

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1 2017 NEW HIRE Enrollment People 2.0 values the contributions of its employees and we offer benefit solutions that are in full compliance with the Affordable Care Act (ACA). We are pleased to offer Minimum Essential Coverage (MEC) provided by The American Worker. Should you choose to participate in this plan, employees avoid the ACA Individual Mandate penalty described below. In addition, employees will have an opportunity to elect ancillary benefits including fixed indemnity plans, dental, vision, disability and life insurance. Please carefully review this enrollment guide so you understand the benefits being offered and can make the right choices for you and your family. Also available to full-time eligible employees is a MVP (Minimum Value Plan). About Your 2017 coverage Choices Plans Available Eligibile Employees Coverage Effective MEC (Minimum Essential Coverage) Full-Time and Part-Time 1 st Monday after your 1 st payroll deduction Yes Fixed Indemnity Plans Full-Time and Part-Time 1 st Monday after your 1 st payroll deduction No Satisfies ACA Indivdiual Mandate Penalty Dental, Vision, Short-Term Dsiability, and Life Insurance Full-Time and Part-Time 1 st Monday after your 1 st payroll deduction No MVP (Minimum Value Plan) Full-Time 1 st day of the month following your 59 th day on assignment. The plan requires premium for the 1 st month must be paid in full prior to the 1st coverage date. Depending on your enrollment time, this may rquire a one time monthly payment, then on-going weekly payroll deductions. Yes Take the Next Step After making your benefit decisions, you will need to make or confirm your elections. For your convenience, you can enroll in coverage online or by phone. If you do not enroll in coverage during the enrollment period, you will not be able to enroll until the next Open Enrollment period unless you have a Qualifying Event. You must enroll within 30 days after you receive your first paycheck. Actual benefit effective dates will vary based upon the plan selection. Online: Visit Available anytime day or night Phone: Call (866) Available Monday - Friday, 8:00 AM - 8:00 PM ET For details on benefits and premiums for the MVP (Minimum Value Plan), please contact the People 2.0 Human Resources Department by ing HR@People20.com or by calling (610)

2 Minimum Essential Coverage The American Worker Minimum Essential Coverage provides affordable coverage that meets the requirements under the Affordable Care Act (ACA), which avoids members from paying the Individual Mandate penalty. This plan provides 100% coverage when utilizing a First Health Network provider and 0% coverage when utilizing an out-of-network provider. Minimum Essential Coverage Plan Pays 100% of the ACA Required Preventive Services, When Utilizing a First Health Network Provider Covered Services for Adults, Women and Children Weekly Rates - Full-Time Employees Employee $14.98 $24.64 $27.95 $35.63 Weekly Rates - Part-Time Employees Employee $18.45 $28.10 $31.41 $39.09 First Health Network Members have access to the First Health Network, which provides savings on Physician and Hospital services. By visiting a First Health provider you can reduce your out-of-pocket expenses. Over 490,000 provider locations across the country Network providers submit claims for you to simplify the claim process To locate a provider online, visit Below is a partial list of services covered by the Minimum Essential Coverage plan. You can view a full list of covered services online at A copy of the plan s Summary of Benefits and Coverage (SBC) is available online at The SBC is an easy-to-understand summary of your health care plan s benefits and coverage. The coverage examples provided in the SBC give a general sense of how a plan would cover services. Covered Services For Adults y Blood Pressure screening for all adults y Cholesterol screening for adults of certain ages or at higher risk y Type 2 Diabetes screening for adults with high blood pressure y Colorectal Cancer screening for adults over 50 y Aspirin use for men and women of certain ages y Tobacco Use screening for all adults and cessation interventions for tobacco users y Obesity screening and counseling for all adults y Diet counseling for adults at higher risk for chronic disease y Depression screening for adults y Alcohol Misuse screening and counseling Covered Services For Children y Autism screening for children at 18 and 24 months y Behavioral assessments for children of all ages; Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years y Depression screening for adolescents y Immunization vaccines for children from birth to age 18 - doses, recommended ages, and recommended populations vary: Diphtheria, Tetanus, Pertussis, Haemophilus influenzae type b, Hepatitis A, Hepatitis B, Human Papillomavirus, Inactivated Poliovirus, Influenza (Flu Shot), Measles, Mumps, Rubella, Meningococcal, Pneumococcal, Rotavirus, Varicella y Obesity screening and counseling y Vision screening for all children y Iron supplements for children ages 6 to 12 months at risk for anemia y Immunization vaccines for adults - doses, recommended ages, and recommended populations vary: Hepatitis, Hepatitis B, Herpes, Herpes Zoster, Human Papillomavirus, Influenza (Flu Shot), Measles, Mumps, Rubella, Meningococcal, Pneumococcal, Tetanus, Diphtheria, Pertussis, Varicella y Breast Cancer Mammography screenings every 1 to 2 years for women over 40 y Well-woman visits to obtain recommended preventive services y Contraception coverage for women: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, not including abortifacient drugs y Medical History for all children throughout development; Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, and 15 to 17 years. y Oral Health risk assessment for young children; Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years. y Developmental screening for children under age 3, and surveillance throughout childhood y Height, Weight and Body Mass Index measurements for children; Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, and 15 to 17 years y Fluoride Chemoprevention supplements for children without fluoride in their water source y Hearing screening for all newborns y Hematocrit or Hemoglobin screening for children 2 Enroll Online: 2 Enroll By Phone: (866)

3 Fixed Indemnity PLANS The American Worker Fixed Indemnity Plans provide affordable, first dollar coverage. The plans offer coverage for basic healthcare services and prescription drug discounts. The Fixed Indemnity Plans also pay in addition to other coverage you may have, which can help cover out-of-pocket expenses such as deductibles and coinsurance when receiving medical treatment. The Fixed Indemnity Plans are underwritten by Nationwide Life Insurance Company. The plans include the RxEdo Pharmaceutical Program, First Health Network and New Benefits Discount Program, which are provided by separate vendors. Physician s Office Outpatient Diagnostic Lab Outpatient Diagnostic X-Ray Advanced Studies Standard Plan Pays $100 per Day, 6 Days per Person per Year Plan Pays $75 per Testing Day, Plan Pays $75 per Testing Day, Plan Pays $200 per Testing Day, Preferred Plan Pays $125 per Day, 6 Days per Person per Year Plan Pays $100 per Testing Day, Plan Pays $125 per Testing Day, Plan Pays $500 per Testing Day, accidental injury care Plan Pays $1,000 Maximum per Occurrence Plan Pays $1,000 Maximum per Occurrence Preventive care emergency room sickness Surgical Daily Inpatient Daily Inpatient Maximum Daily Outpatient Daily Outpatient Minor Outpatient Benefit Maximum Plan Pays $75 per Day, 2 Days per Person per Year Plan Pays $100 per Day, 2 Days per Person per Year Plan Pays $1,000 per Day, 1 Day per Person per Year Plan Pays $500 Plan Pays $100 1 Day per Person per Year Plan Pays $75 per Day, 2 Days per Person per Year Plan Pays $100 per Day, 2 Days per Person per Year Plan Pays $2,000 per Day, 1 Day per Person per Year Plan Pays $1,000 Plan Pays $200 1 Day per Person per Year Anesthesia Plan Pays 30% of Surgical Benefit Plan Pays 30% of Surgical Benefit Hospital Indemnity Intensive Care Unit Substance Abuse Mental Illness Skilled Nursing Plan Pays $300 per Day, 500 Day Lifetime Maximum Plan Pays $600 per Day, Plan Pays $150 per Day, Plan Pays $150 per Day, Plan Pays $150 per Day, 60 Days per Person per Stay Plan Pays $600 per Day, 500 Day Lifetime Maximum Plan Pays $1,200 per Day, Plan Pays $300 per Day, Plan Pays $300 per Day, Plan Pays $300 per Day, 60 Days per Person per Stay RxEdo pharmaceutical program Included Included First Health Network Doctor and Hospital Doctor and Hospital New Benefits Discount program Included Included Employee $26.38 $62.43 $46.36 $70.33 $39.23 $93.70 $69.09 $ The Fixed Indemnity Plans are (a) not a substitute for minimum essential health coverage under the Affordable Care Act (ACA); and (b) does not qualify as minimum essential coverage under the ACA. Enroll Online: Enroll 3 By Phone: (866)

4 Additional Fixed Indemnity Plan Features RxEdo Pharmaceutical Program The PRAM Rx pharmaceutical program saves you money and takes the guess work out of paying for prescription medications. Generic Drugs: $10 Copay Preferred Brand Name Drugs: $50 Copay or 50%, Whichever is Greater Non-Preferred Brand Name Drugs: Discounts Monthly Maximum: $500 per Member First Health Network Members have access to the First Health Network, which provides savings on Physician and Hospital services. By visiting a First Health provider you can reduce your out-of-pocket expenses. Over 490,000 provider locations across the country Network providers submit claims for you to simplify the claim process To locate a provider online, visit You can visit a First Health or out-of-network provider for service and the Fixed Indemnity Plans will pay the same benefit amount. New Benefits Health Services Discount Program* This package of health service and discount programs can help reduce out-of-pocket expenses and provide savings on a variety of services that promote healthy living. Teladoc 1 : 24/7 access to a network of U.S. board-certified doctors that will diagnose, treat and prescribe medication, when necessary, over the phone for medical issues including cold or flu symptoms, allergies, bronchitis, ear infections and more. Medical Bill Saver TM : can help lower out-of-pocket costs on medical or dental bills over $400 through provider negotiation. Medical Health Advisor 2 : access to Personal Health Advocates that can assist in resolving insurance claim and billing issues. Nurseline TM and Personal Counseling Services Additional Discounts: Lab and Imaging 3, Chiropractic, Vision, Hearing, Diabetic Supplies, Vitamins and Durable Medical Equipment 1 Teladoc is not available to AR. 2 Health Advisor does not replace health insurance, provide medical care or recommend treatment. 3 Savings may vary based on geographic location, provider selected and procedure performed. The lab network portion of this benefit is not available in MA, MD, ND, NE, NJ, NY, RI or SD. *Discount benefits administered by New Benefits, Ltd. 4 Enroll Online: 4 Enroll By Phone: (866)

5 Freestanding Coverage options Dental Benefit (Underwritten by Nationwide Life Insurance Company) Brushing, flossing and regular preventive care will help you keep a bright, healthy smile in addition to supporting your overall well-being. With affordable coverage, getting the care you need is within your reach. Calendar year maximum Deductible Plan Pays up to $1,000 per Covered Member $50 per Covered Member Covered services Waiting Period Coinsurance Preventive and Diagnostic Basic treatment Major Treatment None 3 Months 12 Months Covered at 80% (U&C Charges) Covered at 60% (U&C Charges) Covered at 50% (U&C Charges) Employee Only $5.45 $13.63 $9.81 $17.48 Vision Coverage (Underwritten by Nationwide Life Insurance Company) A regular eye exam means more than getting an updated prescription for glasses or contacts. It is an important tool in detecting the first signs of serious health conditions. Vision coverage will help you maintain consistent overall health. Calendar year maximum Plan Pays up to $300 per Covered Member Coinsurance percentage 80% Covered Services Routine Eye Exam Lenses/Frames or Contacts Frequency Once Every 12 Months Once Every 24 Months Employee Only $1.89 $4.73 $3.40 $4.92 Short-term disability (Underwritten by Nationwide Life Insurance Company) Your family and daily life depend on consistent income. If you get sick or injured and can t work, this Short-term Disability benefit will pay you cash. Enroll in this benefit to protect your income when you are unable to work. Weekly Maximum Plan Pays up to $125 Maximum Benefit Period 26 Weeks Waiting Period 15 Days (Accidents and Sickness) Employee Only $3.50 Percent of Weekly Salary Coverage includes disability due to pregnancy and childbirth 50% (Excludes Bonuses and OT) Life and ad&d Insurance (Underwritten by Nationwide Life Insurance Company) Life insurance can help your loved ones during a trying time by providing monetary assistance to your family in the event of your death. Enroll in this benefit to protect the future of the ones that depend on you most. Life and AD&D Insurance Employee Spouse (Life Only) Child (Life Only) Plan Pays $20,000 Plan Pays $10,000 Plan Pays $5,000 Employee Only $1.54 $1.88 $1.88 $1.88 Enroll Online: Enroll 5 By Phone: (866)

6 Important Information Paying For Your American worker benefits Your coverage will continue uninterrupted as long as premium is deducted from your paycheck. If you receive a paycheck without a premium deduction, your benefits will be suspended. Coverage will remain suspended until the Monday following the date you receive your next paycheck with a premium deduction, unless you make a premium payment for the missed deduction. To avoid having coverage suspended you must make a missed premium payment every time a deduction is not processed from your paycheck. Missed Premium Payments You have 30 days from the date of your paycheck without a deduction to make a missed premium payment. If you do not pay for the missed premium deduction within 30 days, you will not be able to pay for that coverage period at a later date. You can pay for missed premium deductions online, over the phone or by mail. Payment options include electronic check, credit/debit card, check or money order. You can also authorize an automatic payment be processed every time premium is not deducted from your paycheck; however, you are responsible for contacting The American Worker to cancel the automatic payment once your employment has been terminated. If you do not, your account will be charged for coverage and you will not receive a refund. DisclOSURES Minimum Essential Coverage (MEC): This Plan is designed to provide Plan Participants with minimum essential coverage under the federal income tax rules. This Plan is designed so that Plan Participants may enroll in this Plan and not have to pay a federal individual income tax penalty. However, while you are enrolled in this Plan, you will not be eligible for a federal tax credit though a federal or state exchange (sometimes referred to as the insurance marketplace). If you do not enroll in this plan, you may be eligible for a federal tax credit that lowers your monthly premium. If you do not enroll you may receive a reduction in certain cost-sharing if you enroll in a health insurance plan through the federal or state exchange. Please note that this plan is NOT minimum essential coverage for purposes of the individual health coverage requirements in MA. Fixed Indemnity: This program is not intended nor recommended to replace any comprehensive program of insurance in which you currently participate, or intend to participate. This plan is not designed to replace or provide major medical or catastrophic coverage. This brochure is for summary purposes only. The insurance benefits of the fixed indemnity plan are offered by Nationwide Life Insurance Company. Additional information will be provided upon enrollment in the program. Plan exclusions and limitations apply. New Hampshire and Vermont residents are not eligible for any of the benefit programs offered by The American Worker. Massachusetts residents are eligible for the Fixed Indemnity plan, but this plan does NOT meet Minimum Creditable Coverage standards and will NOT satisfy the individual mandate that you have health insurance. New Benefits Discount Programs - Residents of WA are not eligible for this program. Teladoc is not available to Arkansas and Idaho residents Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Consults are not available outside of the U.S. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video consultations are available during the hours of 7am to 9pm, 7 days a week. This plan is NOT insurance. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR It contains a 30 day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. Member shall receive a reimbursement of all periodic membership fees if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box , Dallas, TX , Website to obtain participating providers: MyMemberPortal.com. 6 Enroll Online: 6 Enroll By Phone: (866)

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8 1161 McDermott Dr., Ste. 300 West Chester, PA Benefit Communication From People Do Not Discard Enroll Now You must enroll within 30 days after you receive your first paycheck. Actual benefit effective dates will vary based upon the plan selection. Enroll Online: Available anytime Enroll By Phone: Call (866) Monday Friday: 8:00 AM to 8:00 PM ET NEW HIRE ENROLLMENT